3.5% APY*
12 Month
Share Certificate
9.90% APR**
VISA®
Platinum Credit Card
rates start at
5.00% APR**
24 Month
New Auto Loans
rates start at
5.25% APR**
Student
Loan Refinancing
*Dividend rates and terms are effective as of January 31, 2026, and are subject to change without notice. Dividend rates given are Annual Percentage Yields (APY). Rates may change after account is opened. Fees may reduce earnings. Please see the Fee Schedule to view fees that may apply. See Rate Schedule for further details. Interest on share certificates of less than 24 months paid at maturity; interest on share certificates of 24 months or more paid quarterly. Minimum share account balance is $5. A minimum of $1,000 is required as an opening balance for certificates. A minimum of $250 is required as an opening balance for youth certificates. A penalty will be imposed for early withdrawal of certificates. **Loan rates given are Annual Percentage Rates (APR). All rates and terms are effective as of September 22, 2025, and are subject to change without notice. Your actual loan rate may be different depending on your payment and credit history. Some restrictions may apply. New or existing membership at NCCYou is required.
Welcome to NCCYou!
NCCYou has been committed to serving our members and communities in Northern Minnesota since 1928. We operate under the model “People helping people.” That means your money comes back to you in the form of better lending rates, lower fees, support for your community and more.
At NCCYou every member has a story. Hear a few of them in our latest video.
Financial Services with You in mind
At Northern Communities Credit Union (NCCYou), everything revolves around YOU—products, services, community engagement, and financial education programs all aim to support you.
Become a Member
Welcome to NCCYou!
When you become a member of our credit union, you’re not just gaining access–you’re joining a community dedicated to putting your goals first.
Join today, you’ll be glad you did.
Accounts
Our member accounts provide a seamless banking experience, empowering you to manage your finances efficiently and confidently. Whether you’re looking to save for the future, access convenient checking options, or take advantage of our certificates or money markets. Our diverse range of offerings has something for everyone.
Loans
We provide competitive rates and flexible terms, making it easier for you to achieve your goals, whether it’s consolidating debt, funding home improvements, or managing unexpected expenses. As a member-focused institution, we consider factors beyond your credit score to help you secure the financing you need.
Investment and Retirement Services
We’re dedicated to helping you turn your financial goals into reality through personalized guidance, comprehensive planning, and expert advice. Whether you’re just starting to save or preparing for retirement, we provide the tools and support to help you confidently navigate your financial journey.
Credit Cards
Whether you’re just starting to build credit, rebuilding, or looking for premium perks, our credit cards can save you money and make managing your finances easier. Lower interest rates, fewer fees, and better customer service mean you keep more of your hard-earned money. Apply online in minutes or visit any branch to get started.
Financial Education
We are dedicated to empowering our members through comprehensive educational services. Our programs offer valuable resources, from workshops and interactive tools to personalized financial counseling. We equip individuals of all ages with essential budgeting, saving, and investing skills, ensuring you can make informed financial decisions.
BankSafe™ Trained Seal from AARP
We are proud to be recognized for our commitment to fighting exploitation. As part of the BankSafe program, NCCYou has received AARP verification, with at least 80% of our frontline staff successfully completing the BankSafe training and implementing a financial exploitation escalation reporting policy.
